Med Direct or Tel Doc — Appenzell Ausserrhoden
Appenzell Ausserrhoden: with sana24, Med Direct costs CHF 498.50 a month in 2026 and Tel Doc CHF 482.10, for an adult with a CHF 300 deductible and accident cover. The table below gives the gap at every deductible.
Tel Doc is the cheaper of the two here: CHF 196.80 saved per year against Med Direct, for cover identical under the law. What you pay more or less for is the care pathway.
What you accept in each case
Med Direct is a "Family doctor" model. Tel Doc is a "Telemedicine and others" model.
- Med Direct
Family doctor
You pick a family doctor and always go to them first.
- Tel Doc
Telemedicine and others
You call a medical service before any consultation, or follow another pathway set by the insurer.
The price at every deductible
| Deductible | Med Direct | Tel Doc | Gap per year |
|---|---|---|---|
| 300 | CHF 498.50 | CHF 482.10 | CHF 196.80 |
| 500 | CHF 486.90 | CHF 470.40 | CHF 198.00 |
| 1'000 | CHF 457.70 | CHF 441.30 | CHF 196.80 |
| 1'500 | CHF 428.50 | CHF 412.10 | CHF 196.80 |
| 2'000 | CHF 399.40 | CHF 382.90 | CHF 198.00 |
| 2'500 | CHF 370.20 | CHF 353.80 | CHF 196.80 |
The comparison, region by region
- Med Direct or Tel Doc?
- Aargau
- Basel-Stadt
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Nidwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Solothurn
- Schwyz
- Thurgau
- Ticino — Region 1
- Ticino — Region 2
- Vaud — Region 1
- Vaud — Region 2
- Valais — Region 1
- Valais — Region 2
- Zurich — Region 1
- Zurich — Region 2
- Zurich — Region 3
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.